UPST - Upstart Holdings, Inc.
NEXT EARNINGS:
May 5, 2026
EPS Est: $0.38
|
Rev Est: $299.3M
Price:
--
--
|
CONSENSUS:
Hold
DETAILS
|
PRICE TARGET:
$45.17
DETAILS
HIGH:
$56.00
LOW:
$30.00
MEDIAN:
$47.00
CONSENSUS:
$45.17
UPSIDE:
60.52%
Market Cap:
2.76B
Volume:
4,233,656
Avg Volume:
4,911,623
52 Week Range:
26.8-87.3
Sector:
Financial Services
Industry:
Financial - Credit Services
Beta:
2.39
Last Dividend:
$N/A
Exchange:
NASDAQ
Country:
US
Employees:
1,193
IPO Date:
2020-12-16
EPS (TTM):
0.56
P/E Ratio:
78.35
Revenue (TTM):
1.08B
Total Assets:
2.97B
Total Debt:
1.85B
Cash & Equiv:
657.45M
Rev Growth (5Y):
36.1%
EPS Growth (5Y):
15.7%
FCF Growth (5Y):
47.8%
ROCE:
2.1%
Debt/Equity:
2.32
Earnings History
| Date | EPS Actual | EPS Est | EPS Surprise | Rev Actual | Rev Est | Rev Surprise |
|---|---|---|---|---|---|---|
| 2026-02-10 | $0.46 | $0.47 | -2.1% | $304.2M | $278.1M | +9.4% |
| 2025-11-04 | $0.52 | $0.42 | +23.8% | $285.9M | $288.6M | -0.9% |
| 2025-08-05 | $0.36 | $0.27 | +33.3% | $257.3M | $281.0M | -8.4% |
| 2025-05-06 | $0.30 | $0.19 | +57.9% | $220.4M | $201.3M | +9.5% |
| 2025-02-11 | $0.26 | $-0.04 | +750.0% | $211.3M | $181.9M | +16.1% |
| 2024-11-07 | $-0.06 | $-0.15 | +59.1% | $162.1M | $149.3M | +8.6% |
| 2024-08-06 | $-0.17 | $-0.39 | +56.4% | $127.6M | $124.5M | +2.5% |
| 2024-05-07 | $-0.31 | $-0.38 | +18.4% | $127.8M | $124.9M | +2.3% |
| Metric | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 |
|---|---|---|---|---|---|---|---|---|---|
| Revenue | 1.08B | 676.96M | 547.72M | 853.29M | 849.89M | 230.08M | 189.27M | 95.58M | 55.64M |
| Net Income | 53.60M | (128.58M) | (240.13M) | (108.67M) | 135.44M | 5.98M | (466,000) | (12.32M) | (7.72M) |
| EPS | 0.56 | -1.44 | -2.87 | -1.31 | 1.73 | 0.27 | -0.03 | -0.87 | -0.56 |
| Total Assets | 2.97B | 2.37B | 2.02B | 1.94B | 1.82B | 477.25M | 393.46M | 645.91M | N/A |
| Total Debt | 1.85B | 1.45B | 1.10B | 1.09B | 795.80M | 82.06M | 135.67M | 501.23M | N/A |
| Cash & Equivalents | 657.45M | 793.61M | 377.32M | 432.41M | 994.99M | 258.77M | 50.82M | 73.04M | N/A |
| Operating Cash Flow | (147.72M) | 186.33M | (160.49M) | (674.68M) | 168.35M | 15.70M | 31.58M | 50.34M | 10.36M |
| Free Cash Flow | (166.13M) | 185.49M | (162.02M) | (697.59M) | 153.24M | 10.09M | 26.30M | 49.29M | 9.58M |
| FCF per Share | -1.73 | 2.07 | -1.93 | -8.43 | 1.96 | 0.46 | 1.83 | 3.49 | 0.69 |
| Book Value | 798.82M | 633.22M | 635.30M | 672.43M | 807.08M | 300.25M | (62.71M) | 91.25M | N/A |
| Cash & ST Investments | 657.45M | 793.61M | 377.32M | 432.41M | 994.99M | 258.77M | 50.82M | 73.04M | N/A |
| ROC Equity | 0.07 | -0.20 | -0.38 | -0.16 | 0.17 | 0.02 | N/A | -0.13 | N/A |